Oregon Cosmetology Insurance

Carrying a current professional liability policy is a good idea for any cosmetologist working in the state of Oregon. Not only will this protect you from certain lawsuits filed against you, but it will also help you financially in case you are found liable. Although some employers offer insurance to their employees, this most likely includes only partial coverage. Having a personal professional cosmetology policy is the only way to ensure full coverage for yourself.

Importance of Carrying Cosmetology Insurance

In this vast beauty industry, there is a high chance issues will occur at some point in the duration of your career. Whether you are a fresh, new cosmetologist right out of school or a highly experienced beauty professional, mistakes can happen either in or out of your control. But, there is a simple solution to this uncertainty.

Carrying the appropriate cosmetology insurance can save you from these unexpected scenarios, such as a client slips and falls on your floor or a product causes an allergic reaction. Your own cosmetology insurance policy covers your business and your well-earned reputation.

Two Main Types of Cosmetology Insurance

Professional liability (or malpractice): covers any error or flaw in services you’ve provided. For example, a hair stylist puts dye on a client’s hair and leaves it on for too long, and the client suffers burns to the scalp. He or she could choose to file a claim against you.

General liability (or slip-and-fall scenario): covers a cosmetologist against claims made due to bodily injury or damage to a client’s property. For example, a client slips on hairspray residue on the floor and suffers an injury. The client could then file a claim, but you would be covered.

Oregon Cosmetology FAQs

Am I eligible to obtain a cosmetology license?

Yes, there are no prerequisites.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,800 school hours, 150 hours of safety/infection control, 100 hours of career development, and pass both written and state law exams.

Do I need a license to be a cosmetology instructor?

You need two years of training, one year of work experience as a certified practitioner following licensure, and teacher registration (issued by the Department of Education).

Does the state of Oregon require me to complete continuing education units (CEUs)?

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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